# Aspire

> Free business account with global payments, cards and expense tools

Aspire is a finance platform for businesses that work across borders. Its US account, held at Column N.A., sends ACH, wire and check payments at no charge, holds 13 currencies, and comes with virtual corporate cards with 1.5% cashback. Bills, budgets, invoices and employee expense claims are included, and there is no monthly fee: Aspire charges on currency conversion and SWIFT transfers.

- **Category:** Spend & Bill Pay
- **Made by:** AFT US LLC (Aspire)
- **Website:** https://aspireapp.com
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 18, 2026

## Pricing

Aspire is free to use.

- **Pricing model:** Free
- **Free plan:** Basic: US business account, accounts in 13 currencies, virtual corporate cards, bills, budgets, claims, invoices and Xero or QuickBooks sync, for any number of team members. FX and SWIFT fees apply.
- **Free trial:** None listed.

| Plan | Price | What you get |
| --- | --- | --- |
| Basic | $0 | No monthly fee. Free US transfers, 13 currency accounts, virtual cards, bills, budgets, claims and invoices; you pay FX and SWIFT fees as you use them. |

Read from https://aspireapp.com/en-us/pricing on Oct 18, 2026. Prices change, so confirm with Aspire before buying.

## Key features

- **US business account:** Deposits held at Column N.A., with ACH, wire, check and real-time transfers at no fee and no minimum balance.
- **Multi-currency accounts:** Hold and pay in 13 currencies including euros, pounds, Canadian dollars and yuan, with conversion from 0.22% above the mid-market rate.
- **Corporate cards:** Virtual cards for spending in 150+ currencies, with spend limits, currency and merchant restrictions, and 1.5% cashback on eligible spend.
- **Bills and budgets:** Payables come in through automated invoice capture, and budgets set enforceable limits for each team.
- **Expense claims:** Employees scan receipts in the Aspire app, missing receipts are requested automatically, and claims are reimbursed from the Aspire account.
- **Accounting sync:** Card payments, claims and receipts sync to Xero, QuickBooks and NetSuite, with account and tax fields filled in before syncing.

## Good for

- Founders running a US company from another country
- Businesses that pay suppliers and staff in several currencies
- Small teams that want cards and expense claims with no monthly fee

## Worth knowing

- Aspire earns on use: currency conversion from 0.22% above the mid-market rate, $5 or $15 per outgoing SWIFT transfer, and a yearly fee from 0.15% on Treasury balances.
- Aspire says it is not a bank: US deposits sit at Column N.A., and its charge card, issued by Column under a Mastercard license, must be paid in full daily.
- Accounts in currencies other than US dollars are run by Aspire's Hong Kong company and are not FDIC insured.
- Besides the US, Aspire has sites for Australia, Canada, China, Hong Kong, the Netherlands, Singapore and the UK; procurement is offered on request.

## ToolGPA grades

**GPA: 3.0 out of 4**, graded Oct 18, 2026. Aspire is a finance platform for businesses that work across borders: a US account with free ACH, wire and check payments, accounts in 13 currencies, virtual cards with 1.5% cashback, bills, budgets and expense claims. There's no monthly fee at all, since Aspire charges on currency conversion and SWIFT transfers. The listing only shows virtual cards, though.

- **Value for money: A.** Free and substantial. A ten-person company pays $0 a month, with no plan fee for any number of team members and no charge on US ACH, wire or check payments. It earns on conversion, from 0.22% over mid-market, and on SWIFT at $5 or $15.
- **Free plan and trial: A.** Free outright. The one Basic plan has no monthly fee and covers the US account, 13 currency accounts, virtual cards, bills, budgets, claims, invoices and accounting sync for the whole team.
- **Features: C.** Accounts, bills, budgets, invoices and expense claims are all here. But the listing shows virtual cards only, a gap for staff who pay in person, and its charge card must be paid in full every day.
- **Ease of use: C.** No store rating on record. There's a business account to open, cards to issue and Xero or QuickBooks to connect before it runs itself.
- **Platforms and integrations: B.** Web, iPhone and Android, syncing card payments, claims and receipts to Xero, QuickBooks and NetSuite. No desktop app or API is listed.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Aspire's own pages on 18 October 2026. Not based on using the product, and shorter than our full reviews.

## Where it stands among spend and bill pay tools

- Aspire's GPA of 3.0 is higher than 9 of the 13 other spend and bill pay tools we grade, and level with 1.
- It stands best on free plan and trial (A, above 11 of 13) and worst on features (C, above 0).
- Aspire has no paid plan.
- On features, ease of use and platforms it scores 2.3 out of 4, and no tool on the category's chart scores higher without costing more.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, or make your own?

**Keep it.** Aspire is free, so making your own would save you nothing. And it is not the kind of software a weekend replaces. It is one of the better ones too: its GPA of 3.0 is higher than 9 of the 13 other spend and bill pay tools we grade.

- You could make: Expense tracking and invoicing: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: AI features, unless you pay a model provider for each request yourself.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## Works with

Xero, QuickBooks, NetSuite

**Tags:** Company cards, Bill pay, Expense tracking, Invoicing, AI features

## Alternatives

- [Airwallex](https://toolgpa.com/tools/airwallex): Multi-currency business accounts, cards, bill pay and expenses. [Compare](https://toolgpa.com/compare/airwallex-vs-aspire)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/aspire-vs-brex)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/aspire-vs-ramp)
- [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/aspire-vs-pleo)
- [Spendesk](https://toolgpa.com/tools/spendesk): Spend management with unlimited cards and users, priced by quote. [Compare](https://toolgpa.com/compare/aspire-vs-spendesk)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 18, 2026:

- https://aspireapp.com/en-us/pricing
- https://aspireapp.com/en-us
- https://aspireapp.com/en-us/business-account
- https://aspireapp.com/en-us/expense-management
- https://aspireapp.com/en-us/about-us
- https://apps.apple.com/us/app/aspire-business-account-card/id1514566206
- https://play.google.com/store/apps/details?id=com.aspireapp.sg&gl=US

Page: https://toolgpa.com/tools/aspire
Listed by ToolGPA (toolgpa.com).